Senior Software Engineer, Spend & Banking

About Us: At Parafin, we’re on a mission to grow small businesses. Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners. We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities. Join us in creating a future where every small business has the financial tools they need. About the Position: As a Senior Software Engineer at Parafin, you will play a pivotal role in building, scaling, and maintaining our financial infrastructure. This position offers the opportunity to work across various engineering teams to design and develop robust, secure, and high-performing systems that power our embedded financial products. You will tackle critical technical challenges, mentor fellow engineers, and influence the strategic direction of our technology stack. What You’ll Be Doing: Build the spend card experience for small businesses, with a vision toward a broader suite of banking products including business accounts and savings. Work closely with external partners to enhance integration capabilities and improve adoption while customizing program experience through rewards and AI features. Develop features end-to-end, internal tooling to improve operational efficiency and customer analytics that directly impact the bottom line. Design, build, and maintain scalable and reliable backend systems. Own and drive technical projects from ideation to deployment. Collaborate with cross-functional teams, including Product, Data Science, and Operations. Improve system performance, security, and reliability through continuous optimization. Mentor and guide other engineers, fostering a culture of technical excellence. What We Look For 5+ years of software engineering experience, preferably in fintech or financial services. Strong proficiency in backend development, ideally with Python, Go, or similar languages. Experience with cloud infrastructure (AWS, GCP) and scalable system design. Deep understanding of distributed systems, databases, and API development. Passion for building impactful financial products that empower small businesses. Bachelors Degree in Computer Science (or related field of study) What We Offer: Salary Range: $230k-$265k Equity grant Medical, dental & vision insurance Work from home flexibility Unlimited PTO Commuter benefits Free lunches Paid parental leave 401(k) Employee assistance program If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.